What proof of financial means is required for a student visa in Spain?

Getting accepted into a Spanish university is not enough to go study in Spain. For your student visa application, you must also demonstrate that you have sufficient financial resources to support yourself during your stay.

For a Moroccan student, this step must be prepared well in advance to ensure you present a clear, consistent, and traceable financial file.

How much do you need to prove to study in Spain?

In 2026, the standard reference for a student generally corresponds to 100% of the IPREM, which is €600 per month.

For a twelve-month stay, this amounts to:

€600 × 12 months = €7,200

Based on the indicative rate of €1 = 10.66 MAD, this represents approximately 76,700 MAD.

However, the exact amount to present should always be verified based on the duration of your stay and the specific requirements for your application.

Are the €7,200 additional costs?

No.

This is a common misunderstanding.

Proof of resources refers to the money you must demonstrate you have available to fund your stay. You should not automatically add €7,200 to your annual expenses if your living budget already accounts for them.

However, this amount does not replace your tuition fees, your insurance, or other expenses necessary for your project.

Why do you need to prepare this amount before applying for a visa?

Your project should not rely solely on a future student job in Spain.

Although working during your studies may eventually help supplement your budget after you arrive, the resources required for your project must be arranged before you leave.

When applying for a visa, your financial file must be consistent with your housing, university fees, and the planned duration of your stay.

Pay attention to the consistency of your financial file

Having enough money is not always enough. Your file must also be easy to understand.

The resources presented, the cost of housing, registration fees, and the information provided in your file must all be consistent with one another.

For example, if your housing and university fees already represent a significant expense, your financial plan must clearly show how these costs will be covered while still maintaining enough resources to live in Spain.

What other expenses should be prepared before departure?

In addition to the resources needed for your stay, several expenses may arise before or at the time of your departure.

You should specifically account for tuition fees or the deposit required by the university, health insurance, visa processing, any necessary translations and legalizations, travel, and initial housing-related expenses.

For the visa and application process, a budget of approximately €150 to €500 can be expected, depending on the required procedures.

Health insurance can cost approximately €300 to €700 per year, depending on the contract, age, and coverage.

Finally, it is wise to set aside about €700 to €1,500 for setup costs and unexpected expenses.

The 6 figures to know before submitting your application

Before applying for your visa, make sure you know exactly:

Your exact tuition fees, specifically checking the rate applicable to non-EU Moroccan students.

The amount requested by the university before the visa, when a deposit or seat reservation is required.

The actual cost of your housing, including rent, utilities, and the security deposit.

The annual cost of your insurance, which must meet the requirements applicable to your stay.

The amount of funds you must prove for the entire duration of your stay.

The cash flow needed for your first month, to cover your setup costs without immediately dipping into your emergency savings.

How Studely can help you?

Preparing your proof of financial means can be one of the most important steps in your project.

Depending on your eligibility and the services available in Morocco, Studely offers solutions to support international students in the financial preparation of their move abroad.

This may include a blocked account and proof of funds solution, as well as services to facilitate certain payments and transfers to the Eurozone.

The terms, timelines, fees, and services available for Spain must be confirmed directly with Studely before signing up.

In summary

For a twelve-month student stay in Spain in 2026, the reference amount is €7,200 in funds, or approximately 76,700 MAD, subject to the conditions applicable to your application.

But preparing your proof of financial means is not just about reaching a specific amount. Your budget must be sufficient, traceable, and consistent with your university, your housing, and your project as a whole.

Preparing for this step early enough can save you from having to reorganize your funding at the last minute before your visa appointment.